The Effect Of Inflation, Problem Finance, And Financing To Deposit Ratio (FDR) On Sharia Banking Deposits
Error Correction Model Analysis
Abstract
Islamic banks collect funds from the public and then send them for financing as an intermediary institution. In practice, the distribution of financing, which is the main characteristic of Islamic banks, is not as easy as the existing theory. This study will discuss the short-term and long-term effects of inflation, financing, and financing problems on deposit ratios in Indonesia's Islamic banking deposits. This study uses an Error Correction Model with monthly time series data starting from 2019-2020. The results show that all variables significantly affect deposits in Islamic banking in Indonesia in the long run. Meanwhile, in the short term, the inflation and financing variables significantly affect Islamic banking deposits in Indonesia, and the Financing to Deposit Ratio has no significant effect.
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Al Farizi, F. & Riduwan, A. Effects of Inflation, Interest Rates, Liquidity, and Profit Sharing on Mudharabah Deposits, Journal of Accounting Science and Research, Vol. 5(4), 2017: 1-16.
Ardana, Y. & Wulandari. Interest Rates, Financial Performance and Profit Sharing Rates for Deposits in Islamic Banking. Essence: Journal of Business and Management, Vol. 8(2), 2018: 177 – 186.
Wibowo, ES and Syaichu, M. Analysis The Influence of Interest Rates, Inflation, Capital Adequacy Ratio, BOPO, Non Performing Financing, on Profitability of Islamic Banks, Diponegoro Journal Of Management, Vol. 2(2), 2013: 1-10.
Fadli, AAY. The Effect of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) on Profit Sharing of Mudharabah Deposits at Bank Syariah Mandiri, Maksipreneur Journal, Vol. 8(1), 2018: 98-113.
Febriani, FI. The Effect of Profit Sharing Rate, Financing to Deposit Ratio (FDR) and Inflation Rate on Mudharabah Deposits at Islamic Commercial Banks (BUS) for the 2014 –2017 Period, FALAH Journal of Islamic Economics, Vol. 4(1), 2019: 108-118.
Indrajati, R. and Prasetyaningrum, S. Analysis of Return On Equity, Return On Assets, FDR, Bopo and Interest Rates on Mudharabah Deposit Rates (Study of Islamic Commercial Banks 2012-2014). Future: Journal of Management and Accounting, vol. 3(2), 2016: 125-142.
Isna K, A., & Sunaryo, K. Analysis of the Effect of Return on Assets, BOPO, and Interest Rates on Profit Sharing Rates for Mudharabah Deposits at Islamic Commercial Banks. Journal of Economics and Business. Vol. 11(1), 2012: 29-42.
Juliana, S., & Mulazid, AS. Analysis of the Effect of BOPO, Capital Adequacy, Non-performing Financing, Profit Sharing and Profitability on Mudharabah Deposits in Islamic Commercial Banks for the 2011-2015 period. Li Falah: Journal of Islamic Economics and Business Studies. Vol. 2(1), 2017: 24-45.
Juniarty, N. Mifrahi, M. N and Tohirin, A. Factors Affecting Mudharabah Deposits at Islamic Banks in Indonesia. Journal of Islamic Economics & Finance, Vol. 3(1), 2017: 36-42.
Muliawati, NL & Maryati, T. Analysis of the Effect of Inflation, Exchange Rates, Interest Rates and Profit Sharing on Time Deposits at PT. Bank Syariah Mandiri 2007-2012. National Seminar of Scholars, 2015: 735-745.
Naf'an. Musyarakah and Mudharabah Financing, Yogyakarta: Graha Ilmu, 2014.
Ningsih, PTS. The Effect of Inflation and Profit Sharing on Mudharabah Deposits (Case Study at Pt. Bank Syariah Mandiri). Journal of Economics Management and Accounting MH Thamrin, Vol. 1(2), 2020: 41-56.
Nofianti, N., Badina, T., & Erlangga, A. Analysis of the Effect of Return On Assets (ROA), Operating Costs on Operating Income (BOPO), Interest Rates, Financing to Deposits Ratio (FDR) and Non Performing Financing (NPF) on Profit Sharing Rates for Mudharabah Deposits. Essence: Journal of Business and Management. Vol. 5(1):65-86. two:https://doi.org/10.15408 /ess.v5i1.2333, 2015.
Gianiani, NG. Influencing Factors on Profit Sharing for Sharia Banking Mudharabah.Accounting Analysis Journal, 2(1), 2013: 97-102.
Prasetyo, PE, Macroeconomic Fundamentals. First edition. Second printing. Yogyakarta: Beta Offset, 2009.
Rahmawaty, R., & Tiffany, AY. The Effect of Return On Assets (ROA) and Financing to Deposits Ratio (FDR) on Profit Sharing Rates for Mudharabah Deposits at Islamic Commercial Banks. Journal of Accounting and Business Dynamics. Vol. 2(1), 2015: 92-103.
Saputri, Miranti Aprilia. Analysis of the Effect of Financial Performance and Interest Rates on Profit Sharing Rates for Mudharabah Deposits in Islamic Banking in Indonesia for the Period 2011-1 to 2017-10. Tesis. Faculty of Economics, UII Yogyakarta, 2018.
Solikha, Akhris Fuadatis. The Influence of Interest Rates, Profit Sharing Rates, Liquidity, Inflation, Bank Size, and GDP Growth on Mudharabah Deposits of Islamic Commercial Banks in Indonesia. Journal of Islamic Economics Vol 6 (1), 2018: 1-22.
Published
2021-12-31
How to Cite
SYAMSIYAH, Nur; ROHMI, Misfi Laili.
The Effect Of Inflation, Problem Finance, And Financing To Deposit Ratio (FDR) On Sharia Banking Deposits.
International Journal of Islamic Economics, [S.l.], v. 3, n. 02, p. 125-136, dec. 2021.
ISSN 2686-2166.
Available at: <https://e-journal.ejournal.metrouniv.ac.id/IJIE/article/view/3824>. Date accessed: 04 july 2024.
doi: https://doi.org/10.32332/ijie.v3i2.3824.
Section
Articles
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